# Tabby vs urpay

Tabby and urpay both sit at 4.8 stars, but that hides the real split: 66% of Tabby's written reviews are positive against 26% of urpay's. Tabby also leads on monetization model (free vs free with in-app purchases) and ratings volume (85K vs 12K). urpay's advantage is iOS requirement (14.0 vs 16.0). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.8 for Tabby against 4.6 for urpay. That said, the two scores are not equally well evidenced: Tabby has 85K ratings behind it against 12K, so its average is the more settled of the two. Written reviews are what separate them: 66% of Tabby's written reviews are positive against 26% of urpay's.

Tabby ships an update every 5 days, urpay every 9 days. Both last shipped on October 22, 2026.

## The numbers

| Metric | Tabby | urpay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (85K ratings)](https://appshunter.io/ios/app/tabby-send-spend-and-save/id1528022364/reviews)** | [4.6 (12K ratings)](https://appshunter.io/ios/app/urpay/id1585778338/reviews) |
| Number of ratings | **85K** | 12K |
| Positive reviews | **66.4% of reviews** | 26.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 days** | Every 9 days |
| Monetization | **Free** | Free with in-app purchases |
| Size | 394 MB | 194 MB |
| Requires iOS | 16.0 | **14.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Tabby FZ LLC](https://appshunter.io/developer/1526643940) | [Neoleap](https://appshunter.io/developer/1585778340) |

## What reviewers say

### Tabby

[App page](https://appshunter.io/ios/app/tabby-send-spend-and-save/id1528022364)

Shop now and pay later with flexible four-month installments. Discover top brands, compare prices, and find nearby stores. Manage payments, track purchases, and get 24/7 customer support.

**Highlights:** Split purchases into 4 monthly payments, Shop from top brands online and in-store, Compare prices and track deals, Find nearby stores accepting Tabby, Manage payments and track purchases, 24/7 customer support via chat

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💡 Convenient installment payments
- 👍 Easy to use app
- 🚀 Smooth and efficient service
- 🤑 Helps manage budget and afford purchases

**What reviewers complain about**

- 🐛 Unclear purchasing power and lack of transparency
- 🤷‍♀️ Uninformed and unhelpful customer support
- 🚫 Risk of permanent ban for failed purchases
- 🤬 Inaccurate payment charges and unprofessional customer service
- 🙅‍♀️ Unauthorized notifications and spam

**Reported bugs**

- Repeated purchase rejections without clear reason
- Incorrect payment schedules and charges
- Inability to cancel or refund orders

**Requested features**

- More transparency on purchasing power and policies
- Improved customer support and communication
- Better purchase approval and rejection explanations
- Option to disable marketing notifications
- Expansion to more regions and countries


### urpay

[App page](https://appshunter.io/ios/app/urpay/id1585778338)

A smart digital wallet for managing finances. Easily top up, send money globally, pay bills, and issue cards. Offers features like payment splitting, family wallets, and instant finance.

**Highlights:** Digital wallet, Global money transfer, Bill payments, Virtual and physical cards, Mobile top-ups, Payment splitting, Family wallet

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💙 Best Digital Wallet
- 👍 Easy to use, fast and good
- 🚀 Fast and reliable even outside the kingdom
- 💰 Great deals and user-friendly

**What reviewers complain about**

- 🐛 Network issues, app not working
- 💰 High fees for transfers and transactions
- 🔒 Requires location access
- 🤔 Sudden changes to limits and features
- 🤯 Terrible customer service and unresponsive

**Reported bugs**

- Login/signup issues
- Freezing, crashing, and performance problems
- International transfers not working
- Deduction of funds without reason

**Requested features**

- Add monthly spending reports
- Allow multiple wallets
- Support Mada cards
- Restore previous cashback rates
- Increase transfer limits


## Frequently asked questions

### Is Tabby free?

Tabby is free to download, with no in-app purchases.

### Is urpay free?

urpay is free to download, with no in-app purchases.

### Which has better reviews, Tabby or urpay?

Tabby is rated higher. Tabby averages 4.8 out of 5 from 85K ratings, while urpay averages 4.6 from 12K ratings.

### Do Tabby or urpay have ads?

Neither Tabby nor urpay shows ads.

### Which is updated more often, Tabby or urpay?

Tabby ships an update every 5 days, and urpay every 9 days. Most recently, Tabby was updated on October 22, 2026 and urpay on October 22, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*